0330 038 8939
Based in Southend-on-Sea
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: February, 2021
5 out of 5
Checks carried out by VouchedFor
FCA status: Certified by Firm
Michael is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Michael's status
Last checked: 19 April 2025
Michael is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Michael's status
12
Recent Client Reviews
Michael has received 12 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Michael has received 12 client reviews in the past 12 months; 100% of these have been verified
Independent Mortgage Adviser
Michael can advise across a wide range of mortgage products in the market. It is important to ask if Michael checks lenders’ direct-only deals.
Last checked: 14 January 2025
Michael can advise across a wide range of mortgage products in the market. It is important to ask if Michael checks lenders’ direct-only deals.
6
Qualifications Uploaded
Michael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
6 qualification certificates available to view
Michael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Michael has not yet added their fees to their profile
Fees not yet added
Michael has not yet added their fees to their profile
10
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Michael (based on 10 first impressions)
100% of users who are not yet clients had a positive first experience with Michael
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Michael (based on 10 first impressions)
Checks carried out by VouchedFor
FCA status: Certified by Firm
Michael is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Michael's status
Last checked: 19 April 2025
Michael is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Michael's status
12
Recent Client Reviews
Michael has received 12 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Michael has received 12 client reviews in the past 12 months; 100% of these have been verified
Independent Mortgage Adviser
Michael can advise across a wide range of mortgage products in the market. It is important to ask if Michael checks lenders’ direct-only deals.
Last checked: 14 January 2025
Michael can advise across a wide range of mortgage products in the market. It is important to ask if Michael checks lenders’ direct-only deals.
6
Qualifications Uploaded
Michael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
6 qualification certificates available to view
Michael has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Michael has not yet added their fees to their profile
Fees not yet added
Michael has not yet added their fees to their profile
10
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Michael (based on 10 first impressions)
100% of users who are not yet clients had a positive first experience with Michael
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Michael (based on 10 first impressions)
I have been a mortgage and protection adviser since 2003 having previously worked in investment banking in the City of London and also in financial education with the Institute of Financial Services. My particular areas of interest are mortgages, personal and business protection and general insurance. I received my Fellowship of the Chartered Institute of Bankers in 2005, and completed my diploma in advanced mortgage advice in 2017. My client base is very diverse ranging from young professionals just starting their financial planning journey to much older clients completing theirs. I work very closely with accountants, solicitors and independent financial advisers to help their clients realise their financial goals. It is an amazing privilege and responsibility to be a trusted adviser to so many clients, many of whom I'm now proud to call my friends. I believe the key to being a good adviser is to treat every client as an individual, and to respond to their needs in the most professional way possible. That means always answering their calls quickly, and delivering exactly what I promise, on time, every time. The ability to listen and connect with people is also very important. My spare time tends to revolve around my family and our two Westie terriers who we spoil terribly. I recognise how fortunate I am and try to give something back to my industry by passing on my experience and knowledge to new advisers and young people who want to join this amazing industry.
Offers available through VouchedFor
Contact Michael through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Michael's clients
Based on responses provided by clients who have reviewed this adviser
Clients' level of financial expertise
Household income
Mortgage value
Savings
Clients' level of financial expertise
This adviser has some reviews that were left while they were employed at a different firm to the one they are at now.
No reviews matching your filter selections.
VouchedFor Disclaimer
Please Note: While VouchedFor.co.uk undertakes significant effort to ensure the information provided on this website is correct, it is your responsibility to confirm its accuracy with the adviser. Any decisions you take having spoken with the adviser must be made by you on the basis of your own investigations. Use of this website is subject to the website terms & conditions and privacy policy. Local rates apply from a BT Landline when calling 0845 numbers, costs from mobiles and other operators may vary.